The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Expires: July 31, 2015
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hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
NU HLDGS LTD ORD SHS CL A G6683N103 11,722,656 854,421 SH SOLE 0 0 854,421
ADOBE INC COM 00724F101 200,017 517 SH SOLE 0 0 517
AMAZON COM INC COM 023135106 877,560 4,000 SH SOLE 0 0 4,000
AMERICAN CENTY ETF TR US EQT ETF 025072885 695,456 6,898 SH SOLE 0 0 6,898
APPLE INC COM 037833100 1,436,190 7,000 SH SOLE 0 0 7,000
APPLIED MATLS INC COM 038222105 530,903 2,900 SH SOLE 0 0 2,900
BANK AMERICA CORP COM 060505104 899,080 19,000 SH SOLE 0 0 19,000
CISCO SYS INC COM 17275R102 534,226 7,700 SH SOLE 0 0 7,700
DBX ETF TR XTRACK MSCI EAFE 233051200 2,273,031 51,955 SH SOLE 0 0 51,955
DANAHER CORPORATION COM 235851102 223,023 1,129 SH SOLE 0 0 1,129
META PLATFORMS INC CL A 30303M102 1,677,679 2,273 SH SOLE 0 0 2,273
GENERAL MTRS CO COM 37045V100 894,195 18,171 SH SOLE 0 0 18,171
GLOBAL X FDS MSCI GREECE ETF 37954Y319 6,617,198 114,011 SH SOLE 0 0 114,011
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 12,132,015 170,250 SH SOLE 0 0 170,250
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 3,125,928 17,200 SH SOLE 0 0 17,200
IRON MTN INC DEL COM 46284V101 287,504 2,803 SH SOLE 0 0 2,803
ISHARES INC MSCI STH KOR ETF 464286772 10,582,884 147,435 SH SOLE 0 0 147,435
ISHARES TR CORE US AGGBD ET 464287226 1,207,562 12,173 SH SOLE 0 0 12,173
ISHARES TR RUS MID CAP ETF 464287499 1,779,895 19,353 SH SOLE 0 0 19,353
ISHARES TR EXPND TEC SC ETF 464287549 252,765 2,250 SH SOLE 0 0 2,250
ISHARES TR SELECT US REIT 464287564 253,202 4,140 SH SOLE 0 0 4,140
ISHARES TR RUS 1000 VAL ETF 464287598 1,514,800 7,799 SH SOLE 0 0 7,799
ISHARES TR RUS 1000 GRW ETF 464287614 3,757,958 8,851 SH SOLE 0 0 8,851
ISHARES TR RUS 1000 ETF 464287622 52,677,494 155,130 SH SOLE 0 0 155,130
ISHARES TR RUS 2000 VAL ETF 464287630 872,886 5,533 SH SOLE 0 0 5,533
ISHARES TR RUSSELL 2000 ETF 464287655 604,859 2,803 SH SOLE 0 0 2,803
ISHARES TR RUSSELL 3000 ETF 464287689 6,633,198 18,898 SH SOLE 0 0 18,898
ISHARES TR SHRT NAT MUN ETF 464288158 965,567 9,080 SH SOLE 0 0 9,080
ISHARES TR MSCI ACWI EX US 464288240 975,040 16,000 SH SOLE 0 0 16,000
ISHARES TR US TREAS BD ETF 46429B267 482,297,519 20,987,708 SH SOLE 0 0 20,987,708
ISHARES TR MSCI CHINA ETF 46429B671 32,891,670 596,945 SH SOLE 0 0 596,945
ISHARES TR CORE MSCI EAFE 46432F842 43,318,307 518,906 SH SOLE 0 0 518,906
ISHARES INC CORE MSCI EMKT 46434G103 400,588,318 6,673,135 SH SOLE 0 0 6,673,135
ISHARES INC MSCI TAIWAN ETF 46434G772 32,949,035 574,025 SH SOLE 0 0 574,025
ISHARES INC ESG AWR MSCI EM 46434G863 778,383 19,872 SH SOLE 0 0 19,872
ISHARES TR CORE DIV GRWTH 46434V621 607,430 9,500 SH SOLE 0 0 9,500
ISHARES TR HDG MSCI EAFE 46434V803 29,956,627 789,163 SH SOLE 0 0 789,163
ISHARES TR ESG AWR MSCI USA 46435G425 3,440,513 25,429 SH SOLE 0 0 25,429
ISHARES TR ESG AW MSCI EAFE 46435G516 830,558 9,309 SH SOLE 0 0 9,309
ISHARES TR ESG ADV TTL USD 46436E619 2,755,452 63,271 SH SOLE 0 0 63,271
NVIDIA CORPORATION COM 67066G104 8,954,715 56,679 SH SOLE 0 0 56,679
ORACLE CORP COM 68389X105 385,663 1,764 SH SOLE 0 0 1,764
PALO ALTO NETWORKS INC COM 697435105 297,137 1,452 SH SOLE 0 0 1,452
SPDR S&P 500 ETF TR TR UNIT 78462F103 130,716,053 211,566 SH SOLE 0 0 211,566
SPDR SERIES TRUST NUVEEN ICE HIGH 78464A284 8,980,495 362,409 SH SOLE 0 0 362,409
SPDR SERIES TRUST PORTFOLIO S&P400 78464A847 473,215 8,702 SH SOLE 0 0 8,702
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 942,623 1,664 SH SOLE 0 0 1,664
SPDR SERIES TRUST BLOOMBERG 1-3 MO 78468R663 5,985,107 65,247 SH SOLE 0 0 65,247
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 27,307,673 120,569 SH SOLE 0 0 120,569
TARGET CORP COM 87612E106 226,895 2,300 SH SOLE 0 0 2,300
TRINET GROUP INC COM 896288107 1,462,800 20,000 SH SOLE 0 0 20,000
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 9,040,055 44,169 SH SOLE 0 0 44,169
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 3,665,522 49,783 SH SOLE 0 0 49,783
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 26,840,670 470,806 SH SOLE 0 0 470,806
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 428,387 1,725 SH SOLE 0 0 1,725
VANGUARD WORLD FD INDUSTRIAL ETF 92204A603 623,156 2,225 SH SOLE 0 0 2,225
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 25,250,764 510,529 SH SOLE 0 0 510,529
VANGUARD SCOTTSDALE FDS VNG RUS2000VAL 92206C649 1,115,932 8,023 SH SOLE 0 0 8,023
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 59,856,240 1,000,773 SH SOLE 0 0 1,000,773
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 4,861,551 57,054 SH SOLE 0 0 57,054
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 24,244,678 86,323 SH SOLE 0 0 86,323
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 623,044 11,102 SH SOLE 0 0 11,102
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 23,555,924 480,439 SH SOLE 0 0 480,439
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 9,575,399 16,857 SH SOLE 0 0 16,857
VANGUARD INDEX FDS MID CAP ETF 922908629 439,333 1,570 SH SOLE 0 0 1,570
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 3,086,058 16,014 SH SOLE 0 0 16,014
VANGUARD INDEX FDS GROWTH ETF 922908736 2,630,400 6,000 SH SOLE 0 0 6,000
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,794,332 9,194 SH SOLE 0 0 9,194
VISA INC COM CL A 92826C839 394,106 1,110 SH SOLE 0 0 1,110